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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $412,020 | $148,629+177.2% | $135,982+203.0% | $139,487+195.4% |
| Participation rate | 75.0% | 83.9%-8.9pp | 81.9%-6.9pp | 80.3%-5.3pp |
| Annual return | 16.43% | 79.33%-62.9pp | 68.32%-51.9pp | 373.84%-357.4pp |
| Employer contribution / active EE | $9,178 | $5,247+74.9% | $4,859+88.9% | $4,755+93.0% |
| Participant deferral / active EE | $6,639 | $8,102-18.1% | $7,760-14.4% | $6,713-1.1% |
| Admin fee / account holder | $441 | $12,406-96.4% | $10,767-95.9% | $11,407-96.1% |